Applications / Mortgage Analytics / Lenders / New York / Blair Services of America
Melville, NY · Independent non-bank lender · CFPB · 82 loans in 2025
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82
loans originated, 2025
104
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Blair Services of America is a New York home-purchase lender that makes big loans, leans heavily on loans insured by the Federal Housing Administration (FHA), and lends mostly in majority-minority neighborhoods.
Purchases made up 89.0% of its 82 loans in 2025. FHA loans were 42.7% of the total, against 13.5% at similar lenders, independent non-bank lenders making between half and twice as many loans. It made no manufactured-home loans and none guaranteed by the Department of Veterans Affairs.
Its typical loan was $635,000, more than twice the $285,000 at similar lenders and larger than at all but a few of them. Yet it made no jumbo loans, those above the conforming limit. Its rate was lower than at most similar lenders, 6.38% against 6.62%, and it made no higher-priced loans.
Only 8.6% of its borrowers had low or moderate incomes, against 19.5% at similar lenders. Its large loans are one plausible reason, since bigger loans tend to go to higher earners. By contrast, 87.8% of its loans went to majority-minority neighborhoods, more than three times the share at similar lenders. It lends only in New York State; in the New York City metro it ranked 257 of 802 lenders.
It made 82 loans in 2025, against 190 in 2020. The record holds no figures for 2024, so its change over the past year cannot be measured. It first reported in 1994.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Blair Services of America took 104 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 89.0% · Refinance 11.0%
Conventional 57.3% · FHA 42.7% · of 82 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 82 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 56 |
| Nassau County-Suffolk County | 23 |
| Albany-Schenectady-Troy | 2 |
| Kiryas Joel-Poughkeepsie-Newburgh | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300GNMONGVTFMXS97 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3874220 | 2010–2023 |
| Respondent ID (the HMDA filer code before 2018) | 77573700002 | 1994–2017 |
Established 18 December 1989. Reported under HMDA 1994-2025.
Mergers, name changes, data editions and corrections: Blair Services of America's data.
Blair Services of America's data
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